The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$42,412
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,731
−HK$1,340/mo
Today · 4.125%
HK$45,071
baseline
▲ 0.50% · 4.625%
HK$47,814
+HK$2,743/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,142/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,183
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,448
−HK$1,284/mo
Today · 4.125%
HK$49,732
baseline
▲ 0.50% · 4.625%
HK$52,353
+HK$2,621/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,464/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$697,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,894
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,477
−HK$1,609/mo
Today · 4.125%
HK$54,086
baseline
▲ 0.50% · 4.625%
HK$57,377
+HK$3,291/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,172/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,619
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,138
−HK$1,540/mo
Today · 4.125%
HK$59,678
baseline
▲ 0.50% · 4.625%
HK$62,824
+HK$3,146/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,356/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,377
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,223
−HK$1,877/mo
Today · 4.125%
HK$63,100
baseline
▲ 0.50% · 4.625%
HK$66,939
+HK$3,839/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,200/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,056
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,827
−HK$1,798/mo
Today · 4.125%
HK$69,625
baseline
▲ 0.50% · 4.625%
HK$73,295
+HK$3,670/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,250/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,341
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,716
−HK$2,413/mo
Today · 4.125%
HK$81,129
baseline
▲ 0.50% · 4.625%
HK$86,065
+HK$4,936/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$162,258/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,929
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,207
−HK$2,310/mo
Today · 4.125%
HK$89,517
baseline
▲ 0.50% · 4.625%
HK$94,236
+HK$4,719/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$179,034/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,485 · Scale 2, in force from 26 Feb 2026)